Might sound a bit specific but I have a Macbook and I updated to El Capitan recently. I bank with ZKB and they provide a USB fob for 2-stage verification when logging in to online banking (if 'provide' is the correct word when someone charges you CHF 80 for the means to log in). The fob isn't working since the upgrade. I am not saying that the upgrade to El Capitan is definitely the problem, just asking if any other ZKB-ers / Mac users had a similar problem?...
A good USB dongle implementation can be a bit more secure than a system in which you type a code into the computer. Basically, a code can be stolen if you end up on a website that looks just like your bank without being your bank. This gives the attacker one-time access, which might be all they need.
Sorry that I can't help with the actual question asked though. (Nor do I know how good the ZKB dongle implementation is.)
Thanks all. I got allocated the fob by ZKB originally, and I cannot remember even getting the option for a TAN by SMS. Whatever, that is obviously the best. Bye to the non-working fob (sadly another addition to the world's ever-increasing scrapheap of unwanted plastic-electronic junk).
The fob relies on a shared secret between the fob and the server.
People thought it was bullet-proof, until someone hacked into RSA (largest provider of these fobs to steal that shared secret because they really wanted to hack into Raytheon (military contractor).
The SMS thingy relies on the security of Swisscom's SMS-center (ZKB will have a direct link and talk to it via something like kannel - at least I hope they do and don't rely on a third-party like aspsms.com to send the SMSs) and the security of the transport-link between ZKB's servers and Swisscom's servers)
I would have said that filling out pink and orange slips is the safest, except that ZKB has outsourced it to Swisscom and it's currently not really working...
Heaven knows how much of the banking-stuff is already outsourced to some other continent or some European nation very high on Transparency International's yearly corruption-index...